Renters Insurance and the Policies a Renter Needs
The four parts of a renters policy, a room-by-room inventory, replacement cost versus actual cash value, a quote comparison sheet, what is left out and how to file a claim.
In Under $15
By Whole Life HQ4 parts · about 4,400 words · printable · read online
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OpenWho it's for
Renters who are not sure what renters insurance covers, how much to buy or what it leaves out, and want a simple inventory and quote comparison.
What you receive
- 4 written parts, about 4,400 words
- The four parts of a renters policy and a room-by-room home inventory sheet
- Replacement cost versus actual cash value, a quote comparison sheet and a list of what is usually left out
- A claim checklist, the other policies renters often need and a yearly check
4 printable pages, in reading order
- Part 1: What renters insurance is and what it covers
- Part 2: Count what you own and choose your limits
- Part 3: Reading quotes and spotting the gaps
- Part 4: Other policies, claims and your yearly check
See inside
The first 4 pages, as they print.
Look inside
The first page, word for word. 4 printable pages in total.
Part 1: What renters insurance is and what it covers
General money education, not financial advice. This guide explains how renters insurance and a few related policies work in the United States, so you can ask better questions and read a quote. It does not recommend any company, policy or amount of coverage, and it is not legal advice. Policies differ by company and by state, and your own policy wording is what counts. For help, contact your state insurance department (find it at naic.org) and read the policy itself.
If you rent, a fire, a burst pipe or a break-in can cost you far more than you would guess. Your landlord's insurance covers the building. It generally does not cover your belongings, and it does not cover you if someone is hurt in your home and blames you. That gap is what renters insurance is for.
How to use this guide. Part 1 explains the four parts of a renters policy. Part 2 shows you how to count your belongings and decide on coverage amounts. Part 3 teaches you to read and compare quotes, and covers what is left out. Part 4 covers other policies renters often need (such as auto and health), how to file a claim, and a yearly check. A made-up worked example runs through the guide. Print the sheets or fill them in on screen.
What is in each part
- What renters insurance is and what it covers
- Count what you own and choose your limits
- Reading quotes and spotting the gaps
- Other policies, claims and your yearly check
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Downloads included
4 printable pages: see the list
- Part 1: What renters insurance is and what it covers
- Part 2: Count what you own and choose your limits
- Part 3: Reading quotes and spotting the gaps
- Part 4: Other policies, claims and your yearly check
They open in your library, and you can print them, once they are yours.
Who wrote it
Written by the Whole Life HQ team.
Not yet reviewed by an outside expert.
We plan to ask a finance educator to review it. Until then it is general information, not professional advice.
General education, not financial, tax or legal advice. For decisions about your own money, talk to a qualified professional.
How you get it
- In your libraryAfter you pay, it is in your library straight away.
- Any devicePhone, tablet or computer. Print it if you like paper.
- Yours to keepIt stays in your account, and you can come back any time.
